Considering Fox Communities Credit Union or already applying for its account? Find out whether Fox Communities Credit Union uses ChexSystems and offers a second chance checking or savings account.
You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.
You wait with bated breath through the application process, only to let it out in a sigh of disappointment.
The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”
At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.
Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.
Several members of our community have reported that Fox Communities Credit Union DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.
|Method of Verification||Credit Report|
|Official Response (Email or Phone)|
We do not use ChexSystems when opening a account however we do look at the credit report. There isn't a score that approves or declines an account automatically. Everything is based on the history of the report. If we can have you stop in we can take a look at your situation and let you know if we can get that opened or not.
Below you will find banks that don’t use ChexSystems as an alternative to Fox Communities Credit Union in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.
The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.
|Main Office||3401 E Calumet St Appleton, WI 54915-4757|
|CEO||Greg A Hilbert|
|Number of Members||74,245|
|Institution Class||Federally Insured State-Chartered Credit Union|
|Institution Type||Credit Union|
|Credit Union Programs||Investments not authorized by the FCU Act, Approved Mortgage Seller, Brokered Deposits (all deposits acquired through a third party), Brokered Certificates of Deposit, Mortgage Processing|
|Low Income Designation||No|
|Member of FHLB||Yes|
Membership Eligibility of the credit union:|
*We welcome all persons residing or employed in Brown, Calumet, Kewaunee, Manitowoc, Oconto, Outagamie, Shawano, Waupaca and Winnebago counties.
*All employees of eligible payroll sponsored companies.
*All immediate family members of anyone who is eligible for membership.
Services & Products
|Electronic Services||New Loan, Loan Payments, Remote Deposit Capture, View Account History, Share Draft Orders, Member Application, e-Statements, Download Account History, Bill Payment, Account Balance Inquiry, Share Account Transfers|
|Access to Electronic Services||Mobile Banking, Automatic Teller Machine (ATM), Home Banking via Internet Website, Audio Response/Phone Based|
|Services & Products: Credit||Debt Cancellation/Suspension, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Interest Only or Pymt Option, Indirect Consumer Loans, Risk Based Loans, Business Loans|
|Services & Products: Depository||No Cost Share Drafts, Business Share Accounts, Share Certificates with low minimum balance requirement, Health Savings Accounts|
|Services & Products: Financial Education||In-School Branches, Financial Education, First Time Homebuyer Program, Financial Counseling|
|Services & Products: Other||No Cost Bill Payer, Insurance/Investment Sales, Bilingual Services|
|Services & Products: Transactional||ATM/Debit Card Program, No surcharge ATMs, Money orders|